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How to understand the financial papers

Sometimes reading the financial pages of your daily newspaper or news website is like trying to understand a foreign language! To help you make sense of it all, we’ve explained what each column heading means. Company Name: This company name is the official stock exchange abbreviation, not the full legal […]

If I was 25 again I would… …love budgeting!

I wouldn’t be scared of the ‘B word’ – budgeting. In fact, I’d make a bit of a game of it, tracking where my money was coming from and cracking the mystery of where it was going. There might not be much I could do about my income, so I’d […]

The financial implications of technology

You can’t go anywhere these days and not see people glued to some device. Some of us wonder what we ever did without this modern-day “must have”, but love ‘em or hate ‘em, mobile (aka smart) phones are here to stay. With all good things, there can be a downside. […]

The super scheme for first home buyers

You’re moving into your new home; corks are popping and there are smiles all around – classic advertising that for many seems unattainable. Although many Australians may want to bash the banks over tighter home lending criteria, it’s the bank regulator, the Australian Prudential Regulatory Authority (APRA) that has set […]

More Equity = Lower Interest

More Equity = Lower Interest Ever wondered why some people get better interest rate deals than others? Perhaps you’ve had a chat at a barbecue and discovered your host is paying a lesser rate than you? This could be the reason… Lenders reward borrowers who hold more equity in their […]

How to make your term deposits work harder

How to make your term deposits work harder In 2011, the average term deposit could earn you around 6 percent per annum. Since then, the times, they have a-changed – and so have term deposit rates. Since the Global Financial Crisis (GFC) we remain a little nervous around risk, so […]

How much money do you throw away?

While the move is on to become a cashless society, notes and coins are likely to be with us for some time yet. ‘Touch and go’ payments may be increasing, but for many small purchases most of us still rely on good old cash. And because it’s easier to hand […]

Start planning early to get what you want!

Australians are living longer. According to the World Health Organization, we enjoy the fourth best life expectancy in the world behind Japan, Switzerland and Singapore. Great news for Millennials! Your life expectancy has been tabled at 74 for men and 80 for women. Astounding advances in medical technology could mean […]

The Multitasking Effect

There’s an old joke about scientists discovering something that could do the work of two men. One woman. The implication was that women are better at doing two or more things at once than men, now referred to as ‘multitasking’, and there is some science to back this up. Even […]